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Budgeting

Editor's Picks for Budgeting

Balancing Your Budget and Staying On-Track

By Edvisors Network

A budget acts like a financial compass for you, guiding you towards smart spending and savvy saving. It's a strategic plan that balances income against expenses within a set timeframe, be it monthly or yearly. By doing so, it not only outlines a clear path for current financial health but also paves the way for achieving future financial goals with greater certainty and less stress.

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Debit Cards with Rewards

By Penny Redlin

A rewards debit card is a type of debit card that offers incentives or rewards each time you use it. Similar to rewards credit cards, these debit cards allow you to earn points, cash back, or miles for your purchases.

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Smart phone with budgeting app being accessed

Best Budgeting Apps November 2024

By Penny Redlin

Budgeting is one of the most essential skills an adult can have, yet it’s still a challenge for most young people. Luckily, there are an array of mobile applications on the market that claim to simplify budgeting for users. Consider these top five selections to get your spending habits under control.

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10 Budgeting Tips for College Students

By Hannah H.

Learn how to manage yourself financially while working towards reaching your financial goals with these 10 useful tips to help you make the most of a student budget.

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Budgeting

A budget is a plan on how you intend to spend your money. It takes into account all your incoming sources of money and all your expenses (required and discretionary). Sources of money will primarily comprise of your paycheck but could also include money from other sources such as investments or other efforts generating cash, such as a side hustle.

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The best way to start a budget is to take stock of your money coming each month and the expenses you incur monthly. By accounting for these items, you can see the difference between your income and expenses and determine if there is an overage or shortage of money each month.

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Fixed expenses are expenses that cost the same each time you pay, most likely monthly or annually. Your rent, during the duration of your lease, will be a fixed expense. The money you pay each month will always be the same (assuming no additional fees are charged – such as a late fee).

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A check is a document that is written, dated and signed that instructs a bank to give a specific sum of money to the person or entity noted on the check. The check has your account number written on it so the bank knows where to find the money and can make sure you have enough money in our account to send.

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A W-2 is an Internal Revenue Service (IRS) tax form employers are required to use to report an employee’s wages (cash, cash equivalent & taxable benefits) if they are least $600 or more and tax information including federal and state income taxes in addition to social security and Medicare tax.

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Income tax is a tax imposed by the government on income earned by individuals and companies. The amount of taxes to be paid is determined by the amount of an individual’s annual income.

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Budgeting

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Budgeting

Editor's Picks for Budgeting